The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$19,051
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,643
−HK$602/mo
Today · 4.125%
HK$20,245
baseline
▲ 0.50% · 4.625%
HK$21,477
+HK$1,232/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$40,490/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,194
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,762
−HK$577/mo
Today · 4.125%
HK$22,339
baseline
▲ 0.50% · 4.625%
HK$23,516
+HK$1,177/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$44,678/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,861
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,572
−HK$722/mo
Today · 4.125%
HK$24,294
baseline
▲ 0.50% · 4.625%
HK$25,772
+HK$1,478/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$48,588/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,432
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$26,114
−HK$692/mo
Today · 4.125%
HK$26,806
baseline
▲ 0.50% · 4.625%
HK$28,219
+HK$1,413/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$53,612/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,671
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$27,500
−HK$843/mo
Today · 4.125%
HK$28,343
baseline
▲ 0.50% · 4.625%
HK$30,068
+HK$1,725/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$56,686/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,671
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,467
−HK$807/mo
Today · 4.125%
HK$31,274
baseline
▲ 0.50% · 4.625%
HK$32,922
+HK$1,648/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$62,548/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,291
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$35,358
−HK$1,083/mo
Today · 4.125%
HK$36,441
baseline
▲ 0.50% · 4.625%
HK$38,659
+HK$2,218/mo
Deposit HK$835K · loan HK$7.52M · min. income ≈ HK$72,882/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,148
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$39,171
−HK$1,038/mo
Today · 4.125%
HK$40,209
baseline
▲ 0.50% · 4.625%
HK$42,329
+HK$2,120/mo
Deposit HK$835K · loan HK$7.52M · min. income ≈ HK$80,418/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,637 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).